Most people start by asking how much they can borrow.

No. Just Right Lending doesn't charge you a fee. Jane is paid by the lender when your loan settles, and the rate you get is the same as if you'd gone to that lender directly. You'll see exactly what commission is paid before anything goes ahead, and it never influences the recommendation. Jane chooses the lender that's best for you, not the one that pays the most. Brokers are also legally required to act in your best interests, not the bank's.

It depends on your income, expenses, existing debts and who relies on you financially, and every lender calculates it a little differently. That's why the same person can get quite different answers from different banks. A short conversation gives you a realistic figure and, more importantly, what you can comfortably afford rather than the maximum.

That's the situation Jane is built for. Twenty years of solving complex problems in corporate financial services carries directly into working through self-employment, multiple properties, a separation, an inheritance, or anything else that doesn't fit a standard template.